1993 Ford E-350 Insurance Rates – 9 Savings Tips

Paying for high-priced Ford E-350 insurance can drain your personal savings, especially in this economy. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket. Big companies like Progressive, Geico and Farmers Insurance promote their brand names with advertising and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It’s smart to price shop coverage at least once a year because prices are rarely the same from one policy term to another. Even if you think you had the best deal for E-350 insurance two years ago the chances are good that you can find a lower rate today. There is a lot of wrong information about insurance coverage on the web, but by reading this article, you’re going to learn the easiest ways to find cheap insurance coverage.

If you have a policy now or need a new policy, you can use these tips to get lower rates and possibly find even better coverage. Buying car insurance is not rocket science. Drivers only need an understanding of the tricks to shop for auto insurance over the internet.

Finding Auto Insurance

Getting better 1993 Ford E-350 auto insurance pricing is actually quite simple. You just need to spend a few minutes on the computer to compare quotes online with multiple companies. This can be done in a couple of different ways.

1. The recommended way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating repetitive form entry for each company you want a rate for. In just a few minutes this one form compares rates direct from many companies.
2. A more time consuming way to analyze rates requires a trip to each individual company website and complete a new quote form. For examples sake, we’ll pretend you want to compare Nationwide, Liberty Mutual and State Farm. You would have to go to every website and enter your information, which is why most consumers use the first method.

   For a list of links to insurance companies in your area, click here.

3. The least recommended method to compare rates is driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you want the personal advice of a local agent. Drivers can comparison shop online but still have the advice of a local agent and we’ll talk about that later.

However you get your quotes, double check that you are using identical deductibles and coverage limits for each comparison quote. If your comparisons have different deductibles it’s not possible to determine the lowest rate for your Ford E-350.

Discounts are basically free money

Companies that sell car insurance don’t always list every available discount in an easy-to-find place, so the following is a list of some of the best known and the more hidden discounts you could be receiving. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

• Own a Home – Being a homeowner may trigger a insurance policy discount because owning a home shows financial diligence.
• Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
• Student in College – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
• Accident Forgiveness – Some insurance companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
• Early Switch Discount – A few companies offer discounts for switching policies before your current expiration date. It’s a savings of about 10%.
• Paperwork-free – A handful of insurance companies may give you up to $50 for buying your policy online.
• Club Memberships – Being a member of certain professional organizations is a good way to get lower rates when buying insurance for E-350 insurance.
• Driver Safety – Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance policy, companies don’t profit that way.

For a list of companies who offer insurance discounts, click this link.

Which insurance is the “right” coverage?

When it comes to buying the best car insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can aid in determining whether your personal situation may require specific advice.

• Do I have any recourse if my insurance company denies a claim?
• Can I still get insurance after a DUI?
• Do I benefit by insuring my home with the same company?
• How can I find cheaper teen driver insurance?
• Which companies will insure high-risk drivers?
• Is rental equipment covered for theft or damage?
• Do I need higher collision deductibles?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Auto insurance coverage specifics

Learning about specific coverages of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average auto insurance policy.

Liability insurance

Liability coverage will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as bail bonds, structural damage, funeral expenses, pain and suffering and medical services. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills like surgery, doctor visits and EMT expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision protection

This will pay to fix damage to your E-350 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, crashing into a ditch, driving through your garage door, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford E-350.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, hitting a bird, a tree branch falling on your vehicle and a broken windshield. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.